Representative Example: You could borrow £10,699 over 60 months with an initial payment of £495.89 (including £199 Admin Fee) followed by 58 monthly payments of £296.89 with a final payment of £495.89 (including optional £199 Option to Purchase Fee). Total amount repayable will be £19,012,40. 26.1% APR, annual interest rate (fixed) 13.3%.
Buying a Used BMW on Finance
Buying a used BMW on finance is a popular choice for UK drivers. BMW is one of the most financed car brands in the UK, alongside rivals like Mercedes, Audi, and Volkswagen. It’s known for strong build quality, performance, style, and everyday practicality. This guide covers common questions about buying a used BMW and highlights the top BMW models financed in the UK.
Buying a used BMW gives you the chance to own a premium car at a lower price. You get strong performance, high quality, and a comfortable drive without paying the full cost of a new model.
Many used BMWs include advanced technology and safety features, which makes them a smart choice for both value and reliability. Many buyers also choose BMW for its brand reputation, especially with models like the 3 Series and X3.
A BMW can be a good first car if you choose the right model. The BMW 1 Series is often the best option for new drivers. It’s small, easy to drive, and later models use front wheel drive, which offers better grip in poor weather and more space inside. The 1 Series also sits in a lower insurance group than larger BMWs, which can help keep costs down.
Many 1 Series models come with useful features like parking sensors, a digital display and navigation system. It also gives new drivers a premium experience without the high running costs of bigger or sportier BMW models.
As with any first car, it’s important to check the condition, mileage, and service history to avoid unexpected repairs. A well maintained BMW 1 Series can be a reliable, safe, and comfortable first car.
BMW is a well known brand that offers luxury, performance, and advanced features. Many people enjoy how BMWs drive and how well they’re built. But like any car, how reliable a BMW is depends on the model, the engine, and how well it’s been looked after.
Some older BMWs can have issues like worn suspension, high oil use, or electrical problems, especially with things like warning lights or the infotainment system. That’s why it’s important to do a few checks before buying or financing a used BMW. A full service history, especially one done by BMW approved garages, shows the car has likely been well cared for. It’s also important to check the car’s MOT history and confirm there’s no outstanding finance or past write-offs using an HPI check.
Pay attention to signs of worn brakes, leaking suspension, or dashboard warning lights, which could lead to costly repairs. Make sure the digital dashboard, climate controls, and infotainment system are all working properly, as electrical faults can be common in older models. You should also check the tyres and brakes, BMWs often use premium parts that are more expensive to replace, so it helps if they’re already in good condition.
With regular servicing and proper care, many BMWs can last well over 100,000 miles. The 2.0L petrol and diesel engines are known for their strength and are usually a safer choice in the used market. While BMWs can be a bit more expensive to run and repair, a well maintained used BMW can still be a great, reliable car to own.
The BMW 3 Series is one of the most popular and well balanced used BMWs you can buy. It’s known for its smooth drive, strong engines, and premium feel. Whether you're commuting or taking longer trips, the 3 Series delivers a great mix of comfort, performance, and fuel efficiency. It also has a roomy interior and boot space, making it a practical choice for families or professionals.
If you’re after something smaller, the BMW 1 Series is a great option. It’s a compact hatchback that still gives you that sporty BMW feel, but with lower running costs and easy city driving. It’s especially popular with first-time BMW buyers or anyone who wants a more affordable entry into the brand.
For those needing more space, BMW’s SUV range is worth a look. The BMW X1 is ideal for smaller families or drivers who want extra boot space and a higher driving position. The X3 offers even more room, making it perfect for bigger families or those who regularly carry luggage, pushchairs, or outdoor gear. Both are good choices if you want a used car that’s practical, well built, and stylish.
Whichever model you choose, a second-hand BMW that’s been properly maintained can offer great value and a premium driving experience without the new car price tag.
If you’re looking for the best value from a used BMW, the 1 Series and 3 Series are top picks. These models are popular in the UK, so there are plenty of options to choose from at different price points. That also means you’re more likely to find a good deal.
The BMW 1 Series is a great choice if you want something smaller and cheaper to run. It’s ideal for city driving but still gives you the sporty feel and quality finish that BMW is known for. You’ll often find models with good fuel economy, modern tech, and solid reliability.
The 3 Series offers more space and power, making it better for families or longer trips. It’s well built, comfortable, and packed with useful features even in older versions. Because it’s one of BMW’s best selling models, there’s a wide range available, which helps keep used prices competitive.
To get the most value, always look for a car with a full service history and low mileage if possible. That helps avoid unexpected repair costs and gives you peace of mind that the car has been looked after properly.
Here are some of the most popular BMW models financed in the UK, and for good reason. Each one offers something different, depending on what the driver needs or prefers.
Yes, many lenders offer car finance for used BMWs. Hire Purchase is one of the most common options. It lets you spread the cost over fixed monthly payments for 3–5 years. Once the agreement ends, you own the car.
By checking the car’s history, choosing the right BMW model for your needs, and planning for running and insurance costs, you can find a car that suits your lifestyle and your budget.
Remember: When buying any used vehicle, there’s always a chance that issues may come up later. If you’ve financed a car and start to notice mechanical problems, it’s important to contact both your finance provider and the dealership where you bought the vehicle. Acting quickly can help get the issue resolved and protect your rights.
The BMW 1 Series is ideal for drivers who want a compact, stylish hatchback. It's a great option for first time buyers or those who mainly drive in town. Later models use front-wheel drive, which improves interior space and grip. Engine options include 1.5L and 2.0L petrol and diesel versions. It’s efficient too, with fuel economy of up to 62 mpg on diesel models. The boot holds 380 litres, making it practical for daily use without feeling too large or costly to run.
For families looking for more space and a higher driving position, the BMW X1 is a smart choice. It’s a compact SUV that combines practicality with BMW’s quality and design. With engine choices ranging from 1.5L to 2.0L, including mild hybrid technology, it offers both power and efficiency. Diesel versions can deliver up to 57 mpg. The 505 litre boot is ideal for carrying everyday items like shopping, pushchairs, or luggage, making the X1 a practical and reliable family car.
The BMW X3 is a mid size SUV offering more room and comfort, especially for longer journeys. It’s perfect for families or professionals who travel often and want an SUV that feels refined and responsive. The X3 comes with 2.0L petrol or diesel engines, or as a plug-in hybrid. The diesel can reach up to 54 mpg, and the hybrid can drive up to 28 miles on electric power alone. Its 550-litre boot adds to its practicality.
The 5 Series is one of BMW’s largest saloons and is often chosen by business users or drivers who want comfort on long motorway journeys. It combines smooth performance, spacious seating, and a well designed interior. Engine options include 2.0L and 3.0L petrol or diesel units, as well as the efficient plug-in hybrid 530e. Diesel models can reach up to 62 mpg, and the hybrid can drive up to 37 miles on electric power. This helps keep running costs lower for a large car. The 530-litre boot offers good storage, making the 5 Series practical as well as luxurious.
The BMW 3 Series is one of the most popular cars financed in the UK. It’s well known for its strong performance, premium feel, and rear-wheel drive. This makes it a top choice for commuters and business executives who want comfort and control on the road. It comes with 2.0L petrol or diesel engines, and the plug-in hybrid 330e offers up to 37 miles of electric only range. Diesel models can reach up to 65 mpg, and with a 480 litre boot, there’s plenty of room for work or leisure.
